In August, Lloyds of London announced that beginning in 2023 all of its insurer groups will exclude “catastrophic” state-backed attacks from their cyber insurance policies. And, unfortunately, this is just one of many on a growing list of potential exclusions for insurers worldwide, even though premium prices have continued to climb. So, is cybersecurity still worth it? Sharon Nelson and Jim Calloway talk with John Simek about the elements driving these shifts and what you need to know to make the best choices for your law firm. John W. Simek is vice president of the digital forensics, managed information technology and cybersecurity firm Sensei Enterprises.